the drop may reflect consumers' worries about tax increases which took effect this year. the federal reserve says total consumer borrowing rose to $2.78 trillion. that's actually the highest level on record. >>> thetive rest is cracking down on -- irs is cracking down on id theft and tax fraud. last month the agency identified nearly 400 theft suspects including 109 who were arrested. florida tops the nation in identity theft complaints. high risk cities include miami and tampa. something to keep in mind. >>> americans are getting a little stingy when it comes to buying for their sweetheart this year. a new survey found 62% of shoppers plan to spend up to $100 on valentine's day. this is a lot. but that's actually a decrease from 68% last year. 69% plan to buy gifts from a store. more than a third will spend money on a nice night out. everything is nice. it's the thought that counts. >> it is. >> good hugs will do. >> but we love jewelry. >> yeah. well. never say no to that. >> that's right. >> thank you jess. remember that. >> yeah, yeah. >>> 4:42. a local school system